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I have a couple accounts that have multiples lates, like 6 going from 30days to 120days late. Is that something worth GW or is it too much?
@Jess21 wrote:I have a couple accounts that have multiples lates, like 6 going from 30days to 120days late. Is that something worth GW or is it too much?
Anything you can GW is usually worth it IMO ~ only costs you a stamp / email / phone call.
+1
Any late that is 90 days or later is a major derog, the removal of that would benefit your scores and the overall health of your CR.
More important in a GW is WHY you were late.
Asking for GW if you had a catastrophic family situation, for example, that has now been overcome is much different than requesting sympathy because your were negligent or lazy in your payments.
they are from 4-5 yrs ago when i got pregnant and was very high risk, got into a car accident while pregnant and had to be monitored closely the entire pregnancy bc of many many complications with me and the baby. Eneded up with a premature baby with lots of medical conditions and special needs. I couldnt work to stay on top of my bills. Not that i am supporting my actions but at the point my school loans were the last thing on my mind!